Resend the medical DV to the correct address, send it certified only WITHOUT the return receipt.
If you filed an FTC complaint against them for not providing a correct address, and sent a copy of the complaint to them with the cover letter stating you reserve the right to take civil action against them, then yes, it is possible you might get some results.
one more bump before i throw my hands up...
sometime between the last time Experian refused to re-dispute, and Today, my ex report has been updated my report with a new address for this CA (i assume it is now the correct address). I submitted FTC dispute several days ago, and have not checked report, but i believe the addy change came after FTC complaint. But I have not mailed the followup Dispute w copy of FTC complaint to EX, i just got around to typing it today. Is it useless at this point? The fact remains, at the time of my disputes this contact info was incorrect and resulted in a return to sender from ca. And Experian verified it with incorrect contact info. tricky ba$tards surely have some loophole, this is their game and i stink at it.
As soon as you can pull up proof of receipt ( PO website) send Ex a combo letter:
My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.
I am sending this dispute certified mail return receipt # xxxx to make sure you receive it.
I have no knowledge or records of account # xxxxx on my report # xxxxx.
I have disputed this unknown medical account with the reporting Collection Agent,( copy enclosed with proof of their receipt),to their correct address as changed on my report # xxxx of x/xx/xxxx, as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had no valid response.
Please advise me as to the name and address of the health care provider, the name of the patient, and the reported date of service,as any account I might have had at one time would be obsolete.
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.
I have filed an FTC complaint against you based on your refusal to properly investigate and your furnishing of an incorrect address, ( copy enclosed)
If you are unable to verify and refuse to delete, I will be filing additional appropriate complaints against you with the OCR for HIPAA violations and appropriate State authorities.
Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA ,SEC. 13407(1) BREACH OF SECURITY.—The term ‘‘breach of security’’ means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the HITECH Act as issued 11/30/2009. .
I also reserve the right to include your Bureau in any legal remedies I pursue.
Very truly yours,
AWESOME. That makes perfect sense. Duh. why didnt i think of that? thats why u da man i guess!
Ok, while im waiting on that, I want to resume the battle with Equifax. Im not at home at the moment, but i DONT believe EQ
ever responded to my Followup dispute which i had to resubmit due to them placing a fraud alert on me.
I resent the below letter with copies of ID, and that was when you said to take a break. I never got their response to this letter, and i have delivery confirmation.
But i just realized what they did (literally just now figured it out). Perhaps this can be used to my advantage? Notice the red highlight in my letter. I used a copy of my Student Loan bill as part of my ID proof. Well i believe their Damn computer read the letter and picked up on that student loan and disputed it instead of the medical account like i wanted. I know they did, a few post's up, i complained that my student loan was mysteriously in dispute. i just figured this out right now. very confusing. Since they made a mistake and didn't respond to my real dispute, can this fact be useful?
Equifax Information Services, LLC
P.O. Box 105069
Atlanta, GA 30348-5069
PER REQUEST IN YOUR LETTER DATED MARCH 16, 2012, I AM RESUBMITTING THE FOLLOWING REQUEST (ORIGINAL REQUEST SENT CERTIFIED MAIL RETURN RECEIPT # xxxxxxxxxxxxxxxxxx), THE REQUESTED INFORMATION (IDENTITY VERIFICATION), AND YOUR MARCH 16TH LETTER. PLEASE SEE THE ENCLOSED COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, AND A COPY OF A STATEMENT FROM THE U.S. DEPT OF EDUCATION, AS VERIFICATION OF MY IDENTITY.
I HAVE ALSO ENCLOSED A FULL COPY OF MY ORIGINAL REQUEST WHICH HAS GONE UNANSWERED, INCLUDING THE BELOW REFERENCED DOCUMENTS.
My name is mickey mouse; my SS # is 444-55-6666. I am sending this dispute certified mail return receipt # xxxxxxxxxxxxxxxx to make sure you receive it.
This is a dispute of account information on my credit report # xxxxxxxxxx (copy enclosed).
Please re-investigate the following disputed account on my credit report:
Syndicated Office Systems account # xxxxxxxxx
Please furnish me with verification that Syndicated Office Systems is reporting this account from MY MEDICAL CENTER xxx for $10000000.00 in my name.
I require the identification of the reporting party, their correct address and the date of their verification.
Please be advised that this request is being made in accordance with the requirements of the FCRA
and the privacy rules of the HIPAA
and anarctica's Medical Privacy Act. Please be advised that you are subject to the penalty rules of the HITECH Act as issued 11/30/2009.
This is my second request for deletion of these unknown accounts. I reserve the right to file complaints against you with the FTC
and ant Attorney General and to take action to recover damages.
so what do you think i should do?